Should I invest in a funeral plan?

Grave decision: Should a reader buy a funeral plan? Photograph: Graham Turner for the Guardian

Every week a Guardian Money reader submits a question, and it's up to you to help him or her out – a selection of the best answers will appear in next Saturday's paper.

This week's question:

I am a widow in my seventies, living on a small income and with £6,000 savings. Should I buy a funeral plan with the money, or invest it in some other way? My husband's life insurance was not sufficient for his funeral, and I don't want to leave my family facing a billl.